Why DirectD 123 Upgrade? 
  Option to keep or early upgrade to a new phone after 12 months!* 
 🧮 Your remaining 6 months instalment will be waived off!* 
 💳 No credit card required! 
 🗳️ Easy online & in-store application! 
 🗓️ Low monthly instalment with our 18 months instalment period! 


 Get the iPhone 15 series from as low as RM10 a day!

 Get the latest Galaxy S23 series from as low as RM8.93 a day!


 Get your new phone in 4 simple steps!

Apply online by clicking on the “Apply Now” button below OR walk in to any DirectD outlets near you. Click here for full list of our location.


Submit a copy of your MyKad, 1 month payslip and 1 month bank statement.


Your application will take approximately 2-3 days to process & once it is successful, we will contact you to collect your new phone. 


You will need to walk-in to our outlet, sign the necessary agreement and bring home your new phone!

  *Kindly click here for  >> terms and conditions << 




  DirectD123 Upgrade FAQ

 1. What is DirectD123 Upgrade? 
  The DirectD123 Upgrade is a payment option for you to get a device on a subscription basis for 18 months. You may enjoy a seamless upgrade experience to a new device after month 12th payment or own and keep the device. 
 2.What are the devices being offered? 
  This Program is extended to selected models that sell in DirectD outlet. The eligible devices may be revised and updated from time to time. You may find the updated list of eligible devices via our DirectD’s website. 
 3. How long is the duration of the Program? 
  We offer 18-months subscription Program. 
 4.Who is eligible for the program? 

To subscribe to the Program, you must:

  ▪  be a Malaysian citizen with a valid MyKad
  ▪  be aged between eighteen (18) to sixty-five (65) years old
  ▪  earn a minimum monthly income of RM1,500.00
  ▪  be able to provide the necessary details and documents as may be requested during the application process

Apart from fulfilling the above criteria, you must pass a verification process in order for your application to be successful.

 5.Can I subscribe multiple devices with a single MyKad under the Program? 
  Unfortunately, you cannot subscribe for multiple devices under the Program as each MyKad is only eligible for one (1) device under this Program. 
 6.If my application is rejected, when can I re-apply again? 
   You may re-apply for the Program only after 6 months from your last application. 
 7. Is there any program fee? 
  Yes, there are program fee and processing fee applies. Program fee is equivalent to 4.5% of Device RRP (without screen crack protection) or 10% of Device RRP (inclusive of screen crack protection) which is included in the Monthly Instalment amount.

Please take note there is also a Processing Fee is RM100 payable to DirectD during the collection of device. 
  8.Is there any interest in this product? 
  Yes, there is 1% per month interest rate which is included as part of your Monthly Instalments. 
 9. Do I need to make an upfront payment at the point of sign up? 
  Yes. You are required to make an upfront payment which is a processing fee of RM100.00. 
 10.Where and how can I make the upfront payment? 
  The upfront payment will be charged to you after your application has been approve. You will be directed to make this payment via JomAuto application. Please ensure that all information entered with regards to your banking account is accurate and that your banking account is active and valid with sufficient amount of fund and you complete the payment for ALL the upfront payment in item no.9. You must be the lawful and authorized owner of the banking account. 
 11.Once my application is successful, how do I go about collecting my device? 
  You will be contacted by our Partner via email/other form of communication with details on the Self Collection. When collecting your device, our Partner/Partner’s staff will assist you with the document signing and payment process via JomAuto application before handing you the device. 
 12.Can I assign any representative to collect my device on my behalf? 
  You are not allowed to send any representative during the device collection. 
 13.How do I pay for the Monthly Instalment? 
  Your Monthly Instalment will be automatically deducted through direct debit from your banking account that you have registered with us during the application process via JomAuto apps. 
 14.What is the billing cycle like? 
  Your billing cycle will be monthly. You will receive an invoice on a monthly basis once the automatic deduction from your banking account is completed. 
 15.How do I change my details such as phone number, email, and/or banking account details? 
  For any changes in your details, you must immediately notify us by emailing customer service at 
 16.How do I check my billing/payment details? 
  You may inquire on the details of your billing/payment by contacting Chailease Berjaya Credit Sdn. Bhd. 
 17.What happens if I do not make payment on time? 
  You may be imposed with a late payment charge of 5% per annum on the overdue instalment amount. 
 18.Can I terminate my subscription before contract ends? 
  Any early termination request must be made through Chailease Berjaya Credit Sdn. Bhd. 
 19.May I defer my repayment? 
  Unfortunately, deferment of payment is not available under the Program. 
 20. Will I still be eligible for upgrade if I had my device changed due to hardware/other issues? 
  Yes, you're eligible for upgrade but you need to contact our Customer Service via email or phone call to inform that you had changed your device and provide the evidence such as receipt/invoice/service letter from authorised service centre. 
 21.How to request for a screen replacement for my device? 
  You may request for a screen replacement for your device at any DirectD store within your first 12 months of your Subscription Period. 
 22.If my screen still in good condition, can I request for replacement? 
  No, the request can only be made if your screen is disfunctional or broken. You may visit any of DirectD stores to be assisted by the staff. 
 23.What happens after my subscription period ends? 
  You will have the option to own and keep your device OR upgrade your device to a new device subjected to our terms and conditions. 
 24.Is there any upgrade fee if I would like to upgrade to a new device? 
  There is no upgrade fee or any additional payment for a device upgrade request. Besides, we allow you to perform early termination of your remaining 6 months instalment payment without any penalty charges by returning the contracted device. 
 25.What are the criteria for returning my device for an upgrade? 

You will need to meet a set of criteria for a successful upgrade request including but not limited to the below:

• the IMEI/unique serial number of the Device you return to us, subscriber’s name, mobile phone number and the NRIC number under which the Device is subscribed to is correct and correspond with the information of the Registered Device and other information you have given to us during your application to subscribe to the Program;
• you provide any additional information as reasonably requested by us;
• it is made within thirty (30) days after the Subscription Period of month 12th;
• the Upgrade Request is not for any Device Accessory;
• the Registered Device is able to “power-on” and has not been the subject of Modification; and
• we reasonably believe that you are not using the Program in a manner which is, or is reasonably believed to be, fraudulent, illegal or related to any criminal activity; or intended to make commercial gain.
• Apple ID unlock

The device you select for an upgrade is subject to the eligibility and availability of the device under the Program.

 26.What happens to my old device and its data when I upgrade to a new device? 
  You are required to return your old device to any participating partner’s store. You shall back up any data from the old device and ensure a proper data wipe is performed on the device on your own before returning it for an upgrade. Once your old device is returned to us, the residual data in the old device will be wiped out. We are not responsible for any data you left on your device and will not transfer any such data or information from your device. We shall not be liable for any loss, misappropriation of or damage to any data or information. 
 27.When do I make the request to upgrade to a new Device? 
  The request must be made within thirty (30) days after the 12th month of your subscription period at any participating partner’s store. 
 28.What are the criteria to receive the 6-month waiver for my Monthly Instalment? 
  You must successfully upgrade to a new device within the upgrade period and sign a new financing contract for the new device under this program. 
 29.Are there any other terms and conditions to the Program? 
  You can refer to the full Program terms & conditions here